Fraud Strategy Analyst

We are seeking a highly motivated Fraud Analyst to support fraud prevention across Vanguard’s Workplace Solutions (VWS) business, including employer-sponsored retirement plans and participant account activity. This role focuses on designing, monitoring, and optimizing real-time fraud controls that protect participant accounts from risks such as account takeover, social engineering, and fraudulent distributions or withdrawals. The analyst will work closely with senior leaders and cross‑functional teams to ensure fraud strategies are effective, scalable, and aligned with both client experience and regulatory expectations.

The ideal candidate brings strong analytical skills, hands‑on experience with fraud rules and transaction monitoring, and a solid understanding of fraud risks within financial services or payments environments.

• Support Real‑Time Fraud Controls:
  Develop, implement, and maintain fraud rules and detection strategies for participant transactions (e.g., withdrawals, loans, distributions).
• Monitor & Optimize Performance:
  Analyze fraud trends, rule performance, and key metrics to improve detection rates and reduce false positives.
• Conduct Data Analysis:
  Perform deep‑Dive analyses to identify emerging fraud patterns, vulnerabilities, and control gaps.
• Execute Rule Tuning:
  Adjust thresholds, logic, and segmentation to optimize real‑time decisioning performance.
• Partner Cross‑Functionally:
  Collaborate with Product, Engineering, and Operations to support fraud controls in new features and participant journeys.
• Support Investigations & Insights:
  Provide analytical support for fraud cases, root cause analysis, and loss mitigation efforts.
• Contribute to Reporting:
  Develop and deliver clear reporting on fraud trends, losses, and control effectiveness.
• Adhere to Governance:
  Ensure fraud controls are documented, tested, and aligned with risk and compliance standards.

• 2+ years in fraud analytics, fraud strategy, or financial crimes.
• Experience in at least one of the following:
  Fraud rules management / transaction monitoring, Payments fraud, account takeover, or digital fraud risks.
• Experience working with cross‑functional teams in a matrixed environment.

• Strong analytical and problem‑solving skills with experience using data to drive decisions.
• Proficiency in SQL, SAS, Python or other data analysis tools and data visualization tools such as Tableau or Power BI.
• Familiarity with fraud rules engines or decisioning platforms (preferred).
• Basic understanding of fraud models or scoring methodologies.

• Strong written and verbal communication skills.
• Ability to translate data insights into clear, actionable recommendations.
• Detail‑oriented with strong execution focus.
• Collaborative mindset with ability to work across teams.

Vanguard is offering visa sponsorship for this position.